I have the following offers:
1) 2.45%: fixed rate, 2-year closed term. Have to switch bank and need pay discharge fee (~$300).
2) 2.49: fixed rate, 2-year closed term. No need to switch bank and just renew.
3) Prime - 0.55% (now 2.85%-.55% =2.3%), variable rate, 5-year closed term. No need to switch.
Please give your advise about which one I should take.
Many thanks,